She became famous only in her mid teens as an actor in an ensemble show that mostly focusses on the adult characters. I promise you, most of her life she was not rolling in diamonds.( I doubt she is now mega rich. The internet says her net worth is $1 million which is very nice but hardly stratospheric.)
But again, that is not the issue here. As @Nrdsb4 explained just above you, she was not pretending to represent any experiences except of her own and how racism manifests itself in the world of the arts.
And again, you do not get to judge other people’s lives. Yara nor I owe you an explanation of struggles and await your verdict. If we did, that puts you in a position of power of deciding whose voices are heard and whose are silenced. All voices should be heard. The only power you have is in deciding if you want to listen.
edited:
And there is no “average” person. Tell me who is an average white person? The farmer? The suburban working mom? The hotel worker in Alaska? The high school teacher? The welder?